Cambridge, MA · Cert 90172
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 1.41% | 0.97% | 0.91% | 0.99% | 1.18% | 0.93% | 1.22% | +31 bps | |
| Return on Equity | 8.96% | 16.56% | 12.57% | 12.77% | 14.54% | 17.31% | 13.83% | 17.91% | +514 bps | |
| Net Interest Margin | 3.21% | 3.62% | 3.54% | 3.40% | 3.19% | 3.31% | 3.29% | 3.08% | -32 bps | |
| Efficiency Ratio | 65.34% | 48.20% | 57.85% | 59.15% | 54.96% | 49.71% | 48.61% | 47.48% | -1,167 bps | |
| Non-Interest Burden | 1.95% | 1.11% | 1.89% | 1.85% | 1.59% | 1.40% | 1.36% | 1.23% | -62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.76% | 16.55% | 26.76% | 41.91% | 34.76% | 31.05% | 26.64% | 11.41% | -3,051 bps | |
| Loan Growth (YoY) | 10.05% | 14.14% | 20.69% | 22.44% | 17.84% | 9.49% | 2.21% | -2.85% | -2,529 bps | |
| Deposit Growth (YoY) | 9.13% | 9.94% | 21.76% | 37.72% | 38.44% | 30.52% | 25.00% | 10.24% | -2,748 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | -0.02% | -0.01% | 0.01% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.20% | 1.19% | 1.15% | 1.15% | 1.15% | 1.16% | 1.18% | 1.23% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.49% | 15.24% | 15.00% | 14.01% | 14.11% | 14.45% | 14.64% | 15.54% | +153 bps | |
| Equity / Assets | 9.08% | 8.00% | 7.48% | 6.87% | 6.80% | 6.81% | 6.68% | 6.95% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.61% | 88.13% | 85.90% | 77.72% | 74.57% | 73.93% | 70.24% | 68.49% | -923 bps | |
| Liquid Assets / Assets | 1.91% | 2.24% | 3.38% | 3.05% | 3.98% | 3.05% | 2.80% | 5.31% | +226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |